Shiawassee County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Shiawassee County, Michigan? DLRadar grades every Shiawassee County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 29/100. Here is the 2026 Shiawassee County breakdown.
- Shiawassee County's most distressed ZIP is 48616 at 29/100.
- 19 ZIP codes tracked in Shiawassee County, averaging 22/100 distress.
- Shiawassee County reads peak — home values up 4.2% year over year.
- Vacancy runs 6.2% across Shiawassee County's tracked ZIPs, with a 10% poverty rate.
- The typical Shiawassee County home is worth about $193,811 against a ~$71,464 median income.
- Lending headwind in Shiawassee County sits at 60/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 48616 | 29/100 |
| 2 | 48649 | 29/100 |
| 3 | 48433 | 25/100 |
| 4 | 48436 | 24/100 |
| 5 | 48460 | 24/100 |
| 6 | 48840 | 22/100 |
| 7 | 48841 | 22/100 |
| 8 | 48418 | 21/100 |
| 9 | 48449 | 21/100 |
| 10 | 48414 | 20/100 |
| 11 | 48429 | 20/100 |
| 12 | 48476 | 20/100 |
Most distressed ZIP codes in Shiawassee County (composite distress 0-100, 2026)
What is driving Shiawassee County distress
Nothing here is estimated: Shiawassee County is scored from filings alone, and its ZIPs average 22/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Shiawassee County market phase and pricing
Shiawassee County currently sits in peak after a 4.2% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Shiawassee County
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Common questions
What is the most distressed ZIP code in Shiawassee County, MI?
ZIP 48616 leads Shiawassee County at 29/100, recomputed monthly from public records.
How would you describe the Shiawassee County market phase?
Shiawassee County reads peak, with home prices up 4.2% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Shiawassee County scores?
Every Shiawassee County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 19 Shiawassee County ZIP codes that it runs on every other U.S. county, so Shiawassee County's numbers are directly comparable to any other market.
How much do distress scores vary between Shiawassee County ZIP codes?
A county average hides the spread. Across the Shiawassee County ZIPs DLRadar ranks, scores run from 29/100 in 48616 down to 20/100 in 48476, against a Shiawassee County average of 22/100. That 9-point gap is why acquisition targeting in Shiawassee County works at ZIP level rather than county level.
What do Shiawassee County home values and vacancy say about distressed supply?
The typical Shiawassee County home carries about $193,811 of value against a median household income near $71,464. Vacancy across Shiawassee County's tracked ZIPs runs 6.2% and the poverty rate is 10%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Shiawassee County's foreclosure and lien filings and its 60/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.